The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$22,611
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,315
−HK$714/mo
Today · 4.125%
HK$24,029
baseline
▲ 0.50% · 4.625%
HK$25,491
+HK$1,462/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,058/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,155
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,829
−HK$685/mo
Today · 4.125%
HK$26,514
baseline
▲ 0.50% · 4.625%
HK$27,911
+HK$1,397/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,028/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,133
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,977
−HK$858/mo
Today · 4.125%
HK$28,835
baseline
▲ 0.50% · 4.625%
HK$30,589
+HK$1,754/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$57,670/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,186
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,995
−HK$821/mo
Today · 4.125%
HK$31,816
baseline
▲ 0.50% · 4.625%
HK$33,494
+HK$1,678/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$63,632/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,656
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,640
−HK$1,001/mo
Today · 4.125%
HK$33,641
baseline
▲ 0.50% · 4.625%
HK$35,688
+HK$2,047/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$67,282/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$361,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,217
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,161
−HK$958/mo
Today · 4.125%
HK$37,119
baseline
▲ 0.50% · 4.625%
HK$39,076
+HK$1,957/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$74,238/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$361,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,700
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,966
−HK$1,286/mo
Today · 4.125%
HK$43,252
baseline
▲ 0.50% · 4.625%
HK$45,884
+HK$2,632/mo
Deposit HK$992K · loan HK$8.92M · min. income ≈ HK$86,504/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,278
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$46,493
−HK$1,232/mo
Today · 4.125%
HK$47,725
baseline
▲ 0.50% · 4.625%
HK$50,240
+HK$2,515/mo
Deposit HK$992K · loan HK$8.92M · min. income ≈ HK$95,450/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,607 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).